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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,830 | $87,166-60.0% | $76,735-54.6% | $137,256-74.6% |
| Participation rate | 61.1% | 74.4%-13.2pp | 69.5%-8.4pp | 80.0%-18.8pp |
| Annual return | 7.56% | 26.50%-18.9pp | 29.77%-22.2pp | 220.34%-212.8pp |
| Employer contribution / active EE | $480 | $2,904-83.5% | $2,454-80.5% | $4,156-88.5% |
| Participant deferral / active EE | $2,204 | $4,726-53.4% | $4,088-46.1% | $6,407-65.6% |
| Admin fee / account holder | $1,950 | $8,403-76.8% | $7,189-72.9% | $12,270-84.1% |